A deductible helps keep low-cost claims from being filed, which allows your provider to focus their efforts on claims that cannot be resolved without their assistance. Additionally, any claim you file under a specific coverage that carries a deductible will not be covered unless it exceeds the deductible.

It’s important to remember that collisions with animals, such as a deer or raccoon, are not covered under collision coverage.

These incidents fall under comprehensive coverage, which is sometimes called “other-than-collision” coverage. To fully cover your vehicle from physical damages, you may need to carry both comprehensive and collision coverage.

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Policy Terms For Your Collision Coverage

There are often policy terms and conditions that come along with your car insurance; your deductible is one example. However, there are other things to remember about your policy and the coverage provided.

Collision coverage does not protect you against mechanical wear-and-tear that occurs since this is considered maintenance to your car. If you do not maintain your vehicle, your insurance provider will not provide settlements to cover those expenses.

Collision coverage can be expensive compared to other options since the cost to repair and replace a vehicle can be high; the cost to repair or settle the damage caused by your collision can also be expensive.

Your deductible, as mentioned before, is a specified amount you are covering of any covered loss. The higher the deductible you select, the lower your premium often ends up being; higher deductibles mean you are covering cheaper losses on your own instead of expecting your provider to cover those losses.

Conclusion

Your car insurance is designed to help you recover from unexpected or high-value losses, and hitting a pole can be considered unexpected; the extent of the damage may make it high-value as well.

If you want your insurance policy to cover collisions with inanimate objects, you need to make sure to purchase collision coverage before the loss occurs.

Once a loss has occurred, your insurance provider is not obligated to provide any coverage unless you already had the proper coverage choice in place.

If you have coverage questions, questions about how the deductible works, or want to change your coverage, contact your insurance provider. They can help explain your policy in greater detail, and they may help you assess your risk factors.

Additionally, if you are concerned your provider is not offering the best coverage for your needs, you can speak to other insurance providers. Get preferably three to four coverage quotes from other providers at any time to help you compare available options and premium rates.

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